How to apply for an increase in the limit of an ICBC credit card?
There are two situations in which the limit of an ICBC credit card can be increased, as detailed below:
1. Temporary limit adjustment of an ICBC credit card
When using an ICBC credit card, If you find that the approved credit limit is not enough and you need to increase the credit limit, you can call the 24-hour customer service hotline 95588 to contact the customer service specialist to apply for a temporary increase in the credit card limit. Generally, you can only request to increase the credit limit after holding the card for at least 3 months.
2. ICBC credit card long-term limit adjustment
Cardholders can submit the latest asset or income certificate and apply for it at any ICBC outlet, and ICBC will make an application based on their past The card usage history, repayment records, etc. will be reviewed, and the credit card limit will be appropriately adjusted for the cardholder after passing the review.
You can also directly call 95588 where you apply for a card to apply for a permanent balance adjustment after meeting the following conditions:
(1) The account has been activated for more than 180 days (inclusive);
(2) The card usage is in good condition and repayments are made on time. The card and account status are normal.
How to increase the limit of ICBC credit card?
The methods to increase the limit of ICBC credit card are:
1. Increase the limit by calling customer service: Cardholders can call ICBC Credit Card to increase the limit. The center phone number is 95588, press 9 for manual service. Apply directly to the customer service staff to increase your ICBC credit card limit. This method is relatively simple in operation and suitable for all cardholders.
2. Fax limit increase: Cardholders can call 95588-6 to send a fax to request a credit card limit adjustment application form. Fill in the relevant information correctly and fax the receipt to ICBC customer service. Submit the credit card limit adjustment application form to the local credit card center. If it meets the limit adjustment standards, it can be successfully processed in a few working days.
3. Self-service terminal limit increase: There are now self-service terminals in some areas. Users in those areas can also perform self-service credit card limit increase operations through multimedia terminals at business outlets. During major festivals or due to large consumption needs, ICBC credit card users can also apply to the local credit card center for temporary limit adjustment.
4. Counter limit increase: Cardholders can bring their ID card, credit card and other relevant supporting materials to the counter of a bank outlet to find relevant staff to make a credit card limit increase.
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8 ways to increase the limit of ICBC credit card
The first step: consumption increase Amount method
If you make more than 25 purchases with a credit card every month, the larger the amount, the better. Use the limit 3 days before the bill date and only have a few dollars left. Be careful not to exceed the limit. Then call to apply for a limit increase. The reason is that the limit is too small and requires a large amount of consumption. If the limit increase is successful, it will be used up immediately. Then call to apply for a limit increase until the limit increase cannot be applied. Generally, the fixed limit will be withdrawn directly. It is a temporary quota. Please note that the temporary quota is directly divided into 3-month installments, and the 3-month installment is paid back to 1 month. Then the installment is cancelled, and the temporary quota becomes a fixed quota.
The second trick: credit card swiping method
Deposit 50,000 yuan directly into the credit card, then swipe it out, then deposit it in and swipe it out again, repeat 2-3 times When I applied for a limit increase, I was told that the limit was too small and I was using it as a debit card. If the limit increase was successful, I repeated this process. If I applied for a temporary limit, please refer to the first step to convert it to a fixed limit.
Third method: Credit card foreign currency repayment limit increase method
The credit card is a dual-currency card. First deposit 100 US dollars into the card, and then call customer service to apply for a limit increase. The reason If you want to go abroad, apply to increase the US dollar limit, and apply to increase the RMB limit accordingly. US dollars can be directly deposited online and enter ICBC online banking. Click on the credit card and then click on repayment. Currency - US dollar, then select foreign exchange repayment and enter 100 US dollars. You can return the money from the savings card to the dual-currency card into US dollars. The more US dollars you save, the greater the probability of success. After the limit is mentioned, the US dollars can be withdrawn or exchanged.
The fourth method: debit card foreign currency withdrawal method
Bind the debit card and credit card together (it is said to be used for self-service repayment), and you can bind it by telephone customer service After that, I went to online banking to exchange some foreign currencies (US dollars, Japanese yen, euros and other foreign currencies) and deposited them into the ICBC savings card. I purchased 3 types. It took 5-7 working days. I called the ICBC credit card customer service to apply for a limit increase. She asked about the purpose. Just say that you need to increase the limit for overseas consumption, and the customer service will immediately help you increase the limit. After the upgrade, you can just exchange the foreign currency into RMB and take it out.
The fifth step: Precious metals raising method
Open ICBC online banking: debit card, credit card bound to online banking with U-shield, and then deposit about 2,000 precious metals into the debit card For transactions, buy paper gold, buy 3 grams each time 50 times a day, buy for 3 days in a row, call customer service after 3 days to apply for an increase in the fixed limit, the reason is large consumption or decoration materials.
The sixth trick: Pledge to increase the amount
Be sure to open a financial management gold card debit card and deposit 50,000 into the debit card. The online banking operation directly transfers the current payment to a one-year fixed term. Then take an online loan at an online banking site, and choose a time deposit of 50,000 as a pledge for a loan in the online loan project, so that you can finally get a loan of 45,000. Then, continue to convert the loan of 45,000 into a fixed term, and then proceed again, so that you can get another loan of 40,500. Continuing the cycle, 40,500 is transferred to a fixed term, and 36,450 is obtained. The last time, 36,450 was regularly pledged, and 32,800 were obtained. After doing this, the assets in your wealth management gold card, e-Age card, or Peony card are frozen time deposits of 171,500 and current deposits of 32,800. Total assets: 50,000 + 45,000 + 40,500 + 36,450 + 32,800 = 204,755. After completing the above steps, immediately go to the branch where you opened the debit card and fill out the limit increase application form and provide your wealth management gold card debit card, ID card and credit card. It usually takes 5 working days for the amount to be raised successfully. Online banking will be canceled immediately after the amount is successfully raised. The daily interest rate of pledge is: 4.86%154750/365=20.6 yuan/day. If the cost is calculated based on 5 days, the interest will be 103 yuan.
Top 7: How to apply for a credit card in a different place
When you have your first credit card, just change the city and apply for a new card. You must have a single gold card with a credit limit of more than 50,000 to operate this trick. This is the most powerful trick. ICBC can open 8 cards of different brands in different cities, with different quotas, and finally use a platinum card to combine all the quotas. This is how you can get a card with a maximum limit of 500,000 without any assets, because applying for a second card with a limit of 50,000 will not be lower than the original card.
The eighth tip: Automatic system upgrade and adjustment
Of course, ICBC's official credit card system will also apply for your credit card, but the premise is that the upgrade conditions must be met. If your credit is good and you use your credit card frequently, you can spend more money. The most important thing is to repay the loan on time. Then the system will automatically upgrade for you.
That’s it for the introduction on how to increase the ICBC credit card limit.